| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $14K | $14K | 5.00% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $11K | — | $11K | 3.93% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $9K | $9K | 3.40% |
| COLLEEN SHERMAN3 | 4 JACQUELINE COURT PORT JEFFERSON STATION, NY 11776 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 0.44% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $11K | $11K | 5.00% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $10K | — | $10K | 4.50% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $6K | $6K | 2.86% |
| COLLEEN SHERMAN3 | 4 JACQUELINE COURT PORT JEFFERSON STATION, NY 11776 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 0.50% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $7K | $7K | 5.00% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $6K | — | $6K | 3.89% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $5K | $5K | 3.25% |
| COLLEEN SHERMAN3 | 4 JACQUELINE COURT PORT JEFFERSON STATION, NY 11776 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $611 | — | $611 | 0.43% |
| MARC HIATRIDES - BOR3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $9K | — | $9K | 7.59% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL S | 1133 WESTCHESTER AVENUE WEST S229 WHITE PLAINS, NY 10604 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 2.42% |
| COLEEN SHERMAN - BOR3 | 4 JACQUELINE COURT PORT JEFFERSON STAT, NY 11776 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $977 | — | $977 | 0.84% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $7K | — | $7K | 6.19% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $6K | $6K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $5K | $5K | 4.79% |
| COLLEEN SHERMAN3 | 4 JACQUELINE COURT PORT JEFFERSON STATION, NY 11776 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $773 | — | $773 | 0.69% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVC LLC | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 4.56% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTON INS & FIN SVC LLC | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 4.56% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN SVC LLC | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 4.57% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $815 | $815 | 5.00% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $733 | — | $733 | 4.50% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARJK, NJ 07407 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $494 | $494 | 3.03% |
| COLLEEN SHERMAN3 | 4 JACQUELINE COURT PORT JEFFERSON STATION, NY 11776 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $81 | — | $81 | 0.50% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 21.87% |
| BENEFITMALL3 | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $465 | $465 | 7.85% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $353 | $353 | 5.96% |
| COLLEEN SHERMAN3 | 4 JACQUELINE COURT PORT JEFFERSON STATION, NY 11776 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $242 | — | $242 | 4.08% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $125 | — | $125 | 15.72% |
| BENEFITMALL3 | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $41 | $41 | 5.16% |
| COLLEEN SHERMAN3 | 4 JACQUELINE COURT PORT JEFFERSON STATION, NY 11776 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14 | — | $14 | 1.76% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3 | $3 | 0.38% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 46 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 1,020 | $116K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 1,177 | $223K |
| Short-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 1,177 | $113K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 1,166 | $276K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,070 | $2.2M |
| Other(7 contracts, 3 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 1,177 | $556K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,070 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.